Save up to CHF 25'000 in interest payments with your Swiss mortgage broker.
Lower interest payments: Save up to CHF 25'000 through a professional mortgage comparison.
Complete process: From your initial request to the final bank signature. We handle everything for you.
Free of charge: When you choose an offer from one of our partner banks, we are paid directly by the bank not by you.
We are former bankers and we know how banks think.
That’s why we negotiate independently with over 30 banks, pension funds, and insurance companies to secure the best mortgage conditions for you.
We are featured in
Through us to
better rates:
SARON-Margin
from 0.65%
5-year
fixed rate
from 0.86%
10-year
fixed rate
from 1.30%
The listed interest rates represent top guideline values.
Your individual rate may vary depending on several factors such as property type, income, and loan structure.
Rates are subject to change at any time. All information is provided without guarantee.
A selection of our financing partners
See for yourself how homeowners across Switzerland found better rates, smoother processes, and real peace of mind with our support.
PROBLEM:
The client wanted to purchase a condominium and needed a mortgage. He had already contacted several banks himself but was dissatisfied with the offers he received. The proposed interest rates were significantly higher, which would have greatly increased his monthly costs.
GOAL:
He wanted to find a bank offering fair and competitive conditions but without having to request and compare countless offers on his own.
SOLUTION:
We handled the entire comparison process for him, evaluated multiple banks, and identified the optimal financing solution.
The result: significantly lower interest costs and a mortgage perfectly tailored to his situation.
PROBLEM:
The client wanted to buy a new single-family home but first had to sell her existing property. She faced the challenge of coordinating both transactions — financially and in terms of timing. Without an appropriate interim solution, the purchase of the new home could have fallen through, as the mortgage for it had not yet been secured.
GOAL:
After selling her previous home, she needed a suitable mortgage for the purchase of her new property.
Her goal was to ensure a smooth transition between selling and buying — without financial uncertainty.
It was important to her that the process be simple, predictable, and efficient — without having to contact multiple banks or compare offers herself.
SOLUTION:
We arranged the optimal mortgage for her, perfectly tailored to her financial situation and the new property.
By strategically comparing several banks, we were able to secure highly attractive terms — allowing the purchase of her new home to go through smoothly and at the best possible interest rates.
Do any of these situations
sound familiar to you?
You’re worried about paying too much interest.
You end up overpaying up to 25,000 CHF in interest. Money that could’ve gone toward travel, investments, or your family.
The banking language feels like a foreign world.
You sign something you don’t fully understand and realize too late that you locked yourself into the wrong mortgage model.
You feel lost.
You waste weeks researching online, second-guessing yourself and risk missing out on your dream home because someone else moves faster.
You’re afraid of making the wrong financial decision.
You feel overwhelmed and frustrated and the process drags on for months instead of weeks.
You don’t know which bank to trust.
You either pick randomly or stay with your current bank out of fear. Both ways, you lose negotiating power and pay more.
You’re tired of doing everything alone.
You make rushed decisions out of frustration or postpone everything, losing precious time and money.
This is what happens when
you choose the wrong mortgage.
1
You pay the price for
your uncertainty
You keep asking yourself if your decision was truly the right one only to realize later that you’ve been overpaying for years.
One small mistake when signing, and tens of thousands of francs are gone.
2
You feel trapped
The wrong mortgage model or poor timing can wreck your entire financial planning.
3
You lose control
Every time a new bank advisor takes over, you’re back to square one — and you don’t know who you can really trust.
4
Up to CHF 25,000 in
extra interest costs
With the wrong mortgage, there’s barely anything left at the end of the month. No room for holidays. No spontaneity.
Just bills.
1. Analysis
We review your current financial situation, equity, and existing mortgage. This way, you immediately see what’s possible – and where you may be overpaying right now.
2. Strategy
Together we define which mortgage models (SARON, fixed, or a combination) fit you and your goals. Instead of confusion and bank jargon, you get a clear interest rate strategy.
3. Comparison & Negotiation
We request offers from more than 30 banks, insurance companies, and pension funds, compare them independently, and negotiate the best conditions – while you don’t have to worry about a thing.
4. Closing & Peace of Mind
You get the best mortgage transparent, secure, and stress-free. We guide you all the way to the signing and remain your trusted partner for future renewals or adjustments.
Our Mortgage Packages
First-Time Homebuyers
Find the Best Mortgage
As mortgage brokers compare offers from multiple banks to secure the lowest rates and best conditions for you. Save up to 25,000 Fr. in interest costs.
Protect Your Home & Family (Insurance)
From building to household and life insurance, we make sure you and your home are fully covered.
Finance Renovations
Upgrade or renovate your property with additional financing options directly through your mortgage.
Independent Expert Guidance
We explain every step in simple terms and guide you safely through the entire process.
Refinancing & Renewal
Interest Rate Comparison
We compare offers from more than 30 banks, pensionsfunds and insurers to secure the best rates for your renewal.
Support with Bank Switch
We manage the entire process: repayment, new contracts, and negotiations.
Amortization Review
We analyze your current amortization strategy and show ways to optimize – for tax savings or improved affordability.
Mortgage Increase Review
Planning renovations or upgrades? We check whether an increase of your mortgage is possible and negotiate favorable terms.
Our solutions are for homeowners who want the following:
The best mortgage. Guaranteed to fit you.
We don’t just find any offer. We find the mortgage that truly fits your life situation, your income, and your plans.
Finance with
peace of mind
You understand every step, every number, and every contract. No jargon, no hidden clauses. Just full transparency and security.
Relax your way to
the best solution
We take care of everything. From comparison to negotiation. You sit back while we find the mortgage that truly saves you money.
1. Step:
Complete the form
Click on “Request Consultation” and enter your contact details. This allows us to prepare your situation in the best possible way.
2. Step:
Short phone call
In a short phone call of no more than 10 minutes, we clarify your situation and whether working together makes sense. This call is completely non-binding.
3. Step: Appointment with a Mortgage Expert
If it’s a good fit for both sides, we’ll schedule a meeting with one of our mortgage experts.
There you’ll receive your personal strategy, including a concrete interest rate comparison and clear recommendations for action.
Handshake quality
With over ten years of banking experience, we’ve seen the world of finance and real estate up close. Its opportunities as well as its limits.
We’ve guided numerous people through the purchase and sale of properties and realized how rare truly independent advice is.
That’s exactly why we founded IMMANO AG:
We combine deep banking expertise with real estate experience to provide our clients with comprehensive support both when selling their home and financing their new one.
We understand how banks make decisions, how buyers think, and how sellers negotiate.
This combination allows us to find solutions that others often overlook.
We negotiate with passion and precision because it’s about significant money and life-changing decisions.
Our clients trust us because they can feel that we truly love what we do.
Where do our
clients live?
Through our digital systems, we have direct access to offers from banks, pension funds, and insurance companies across the German-speaking part of Switzerland.
Our consultations are discreet and time-efficient via Teams – without any travel time.
Basel & region
Zug & region
Zürich & region
St. Gallen & region
Bern & region
Luzern & region
Where is our
headquarters located?
Our headquarters are located in Basel.
Thanks to state-of-the-art technology and close networking, we work with banks, pension funds, and insurance companies across the German-speaking part of Switzerland.
A personal meeting on-site is possible, but not necessary. Our consulting and processes are fully digitalized and can be carried out flexibly by phone or video conference.
Your questions answered
How much does your service cost?
Our advisory service is free of charge for clients. We are compensated directly by the partner banks we work with, so you benefit from our expertise without paying extra fees.
Why are you paid by partner banks?
Banks save time and costs because we provide them with pre-qualified clients who match their lending criteria. In return, we receive a commission directly from the bank. For you as a client, this means no extra costs, while you benefit from our expertise and the better conditions we negotiate.
How long does a mortgage comparison take?
An initial comparison can be done within a few hours. With all documents available, we can usually present concrete offers from different banks within 48 hours.
Why not just go directly to a bank?
Because banks only show you their own products. We compare multiple banks, know their negotiation leeway, and save you time, effort, and money.